First, life planning.
The so-called life planning refers to the money used to maintain our daily life, such as transportation to and from work, three meals a day, dinner parties and so on. , roughly enough to maintain our life for the next six months or so.
Because this money will be spent anytime and anywhere, except the cash in the wallet, the rest can be used to buy some highly liquid wealth management products.
The best choice is naturally Internet financial products, such as short-term products of P2P platform and baby products, which have high liquidity, low risk and certain benefits.
Second, risk planning.
There are always some small risks in life, such as sudden illness and careless rear-end collision. We should prepare some money for these small accidents, so that we can feel more secure.
This part of the money is prepared for the basic guarantee, which means that the liquidity does not need to be too high, but the risk should be low enough.
I suggest that you can use this money to buy social insurance and consumer business insurance, which is equivalent to buying a guarantee for yourself and better protecting your personal rights and interests.
Third, savings planning.
Although the interest on saving money is low, as the first step of financial management, saving is still necessary.
What needs to be emphasized is that you must save money purposefully, for example, travel, further study in the future, or give your children an education fund. Of course, this money can also be used as a life emergency fund to prevent unexpected events in life. What Xiaojin wants to emphasize is that you must save money purposefully, such as for traveling, for further study, or for giving children an education fund. Of course, this money can also be used as a life emergency fund to prevent unexpected events in life.
We won't move this part of the money for a short time. It is characterized by extremely low liquidity, and we don't want to double it instantly, just want to accumulate it slowly.
Then, it is a good choice to buy some national debt for three to five years and bank financing for about one year. Although the yield is not high, it is better than being swallowed up by inflation in the current period.
Fourth, investment planning.
Life planning, risk planning and savings planning have all been done. At this time, we should work hard for "Qian Shengqian". Holding on to the money he dug up is a miser at best. Investing this money to fight inflation is a way to make money.
This money does not require high liquidity, but it requires high returns and can bear certain risks. The money can then be used to invest in stocks, funds, futures or P2P.
According to statistics, most children's shoes can't get profits from stocks and futures because of their lack of investment experience. Xiaojin is an example. Some time ago, he lost his eye in the stock market.
P2P is different. Choosing a stable platform can get good returns in a short time. Many P2P platforms also have novice red envelopes, and the return on investment is quite good. For example, unbounded wealth, state holding, five years without overdue, stable, needless to say, the expected return of 8%- 14%, real-name registration 100 yuan novice red envelope, is a very good investment choice.